We may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of this Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Subject to credit approval.

Rules for the Club Carlson Visa Program & Benefits ("Card Benefit Program")
By using your Club Carlson Visa credit card account ("Account"), you acknowledge and agree to be bound by these Card Benefit Program rules as published in the Benefit Guide. These Card Benefit Program rules are in addition and subject to additional terms and restrictions as set forth in the Cardmember Agreement ("Agreement") and the Club Carlson Program Terms and Conditions. The creditor and issuer of this Card is U.S. Bank National Association ("U.S. Bank," "we," "us," and "our"), pursuant to a license from Visa U.S.A. Inc. As used herein, “you”, “your” and “the business owner” means the individual who executed the application for credit and, where applicable, requested that we issue one or more Card(s) for employee(s) and “Cardmember” means the business owner and any employee(s) to whom we have issued a Card.

Club Carlson Program: The primary Cardmember (for Business Reward Accounts, the business owner) must be a Club Carlson member and the Cardmember's name must match the name on the Club Carlson account. A primary Cardmember (for Business Reward Accounts, the business owner) who is not an existing Club Carlson member at the time of Account application will be enrolled in the Club Carlson program as part of the Account application. Gold Points from separately enrolled Accounts may not be combined into one Club Carlson account.

For Business Reward Accounts, Gold Points may be earned by all Cardmembers and will be pooled to one Gold Points balance in the business owner’s Club Carlson account. Certain bonus Gold Point offers may be earned solely by the business owner, as specified in the offer terms. The business owner will have the sole authority to redeem the pooled Gold Points. Except with respect to Gold Points earned on Accounts issued to one or more employees that are pooled in the business owner’s Club Carlson account, Gold Points from separately enrolled Accounts may not be combined onto one Club Carlson account. All Card benefits are available solely for the business owner.

Club Carlson participation, including the earning and redeeming of Gold Points and all other membership benefits and features are subject to the Club Carlson Terms and Conditions and privacy policy available at clubcarlson.com/termsandconditions. Specific benefits and services offered at individual hotels may vary, may not be available at all hotels and are subject to change. Free award nights (with no blackout dates) are for standard rooms only, are subject to availability, and the number of Gold Points required vary based on the applicable hotel category for hotel requested.

If there is any abuse of the Card Benefit Program, failure to follow the Card Benefit Program rules, or any misrepresentation by a Cardmember, all Gold Point balances, including any Gold Points not yet transferred to Club Carlson, may be forfeited without liability, no additional Gold Points shall accumulate, and any other Card Benefit Program benefits may be immediately discontinued. We reserve the right to approve, deny or revoke participation in the Card Benefit Program to any individual for any reason whatsoever.

U.S. Bank and Club Carlson reserve the right to change, modify, restrict, waive, cancel and/or terminate the Card Benefit Program, including the Card Benefit Program rules, or any features, benefits or aspects of the Card Benefit Program at any time without prior notice.

The following are trademarks of Carlson Hotels, Inc. or its affiliates or subsidiaries: Club CarlsonSM, Gold Points®, Quorvus CollectionSM, Radisson Blu®, Radisson®, Park Plaza®, Park Inn® by Radisson and Country Inns & Suites By CarlsonSM.